Abstract: An automated system is provided that allows a user to identify a goal, such as tangible goods, including real estate, and/or services, that the user has aspirations of attaining at future point in time, such as at retirement or the like. Once identified the present invention determines a monetary amount required to be accumulated over time to satisfy the future value of the goal, identifies the level/percentage of guaranteeing afforded to the user and determines the actions required of the guarantor to insure that the goal is attained. In response, the user is presented a goal guarantee offer that requires the user to provide a predetermined funding amount, which is based on the monetary amount, level of guarantee and actions required of the guarantor, over time to a goal account and, in consideration, requires the goal to be guaranteed by the goal guarantor.

Abstract: Embodiments of the invention are directed to systems, computer program products, and methods for generating a one-click financial plan for a customer of a financial institution. Embodiments determine a set of outflow data comprising data corresponding to debits originating from accounts owned by the customer; determine a set of inflow data comprising data corresponding to credits applied to accounts owned by the customer; determine a set of customer information comprising a customer age; based on some of the plurality of debits, identify external customer accounts; based on the identified external customer accounts, determine characteristics associated with each of the external customer accounts; calculate, based on the customer age, the set of inflow data and the set of outflow data, an estimated retirement plan comprising an estimated retirement date and an estimated retirement dollar amount; and present retirement information based on the estimated retirement plan to the customer.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a system that utilizes health information (e.g., steps taken, miles walked, exercise time, strenuous activity, pulse, heart rate, sweat analysis, breath analysis, blood analysis, caloric intake, skin analysis, temperature analysis, brainwave analysis, other medical diagnostic information, or the like) captured from wearable devices, and financial transactions to adjust estimated or projected life expectancy and health expenses (e.g., medical care expenses, fitness care expenses, health food expenses, or the like) of a user, in order to adjust retirement age, retirement savings, or other financial information, and display this information in a financial, health, and/or retirement monitoring interface.

Abstract: Embodiments of the invention are directed to systems, computer program products, and methods for creating investor network groups, in which like investors are grouped together in order to discuss, receive, and send investment information between like investors and one or more financial advisors in order to receive specialized advice without having to pay the high costs of a personal financial advisor. Since the investors within the one or more investor network groups are similarly situated investors with similar investor information (e.g., any information related to the investor profile information, investment strategy information, transaction history information, lifestyle information related to current lifestyles and future desired lifestyle in retirement, investing activity information, or like) inquiries made by investors within the group or suggested investment actions made by financial advisors for investors within the group may apply to multiple investors within the investor network group.

Abstract: A system and related embodiments are presented that establishes a goal guarantee for a user that provides the user a guarantee of acquiring, at a future date, a life goal based on the user providing a predetermined funding amount over time to a life goal account. The life goal includes goods, real estate and/or services. The predetermined funding amount is determined based at least in part on a predicted future cost for the goal and an uncertainty calculation associated with the user. Once funds are accumulated in the life goal account, the invention provides for automatically reallocating funds in the life goal account from a higher uncertainty investment to a lower uncertainty investment in response to one or more predetermined triggering events, such as dates, amount thresholds, meeting predetermined price thresholds for the goal or components of the goal.

Abstract: Embodiments of the invention are directed to systems, computer program products, and methods for modifying an estimated financial plan based on customer input. Embodiments access an estimated retirement plan comprising an estimated retirement date and an estimated retirement dollar amount; determine an estimated retirement plan confidence score; identify one or more external customer accounts; access one or more internal customer accounts; determine, based at least in part on the one or more external customer accounts and the one or more internal customer accounts, at least one likely customer account; present an inquiry to the customer requesting confirmation that the customer owns an additional customer account corresponding to the at least one likely customer account; and receive confirmation from the customer that the customer owns an additional customer account corresponding to the at least one likely customer account.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for retirement planning. The financial institution accesses the values of assets and liabilities of users over a network from various servers, systems, and devices that store asset and liability information of the users. The financial institution determines estimated inflows and outflows from past inflows and outflows and any other significant future events over the network from various servers, systems, and devices that store transaction information. The financial institution calculates an available fund amount that a user can spend over a period of time, and an age parameter indicating the age at which the user's inflows and assets will not be able to cover the user's outflows. The financial institution displays the information in an interactive interface over the network that allows the user to make adjustments to the available fund amount and/or the age parameter to adjust retirement planning.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for retirement planning. The financial institution accesses the values of assets and liabilities and determines estimated inflows and outflows from past inflows and outflows and any other significant future events over the network from various servers, systems, and devices that store transaction information. The financial institution calculates an available fund amount that a user can spend over a period of time, and an age parameter indicating the age at which the user's inflows and assets will not be able to cover the user's outflows. The financial institution displays the information in an interactive interface and allows for optimization of available fund amount or the age parameter using a location change, peer information, and available financial products. Additionally, the user may set goals, and the financial institution may monitor the user's transactions and provide alerts to the user.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing impact of financial events calendared in the future on retirement planning. The system is configured to receive information associated with financial institution accounts of the user; initiate presentation of a spend user interface to the user, wherein the spend user interface comprises at least selectable financial event options for the one or more financial events that could occur for the user; receive a user selection of a financial event and a future predetermined date associated with the financial event selected by the user; determine one or more payment options from the financial institution accounts for the financial event selected by the user; and calculate a new amount of spendable funds or a new estimated amount of time associated with an availability of the amount of funds available in the financial institution accounts.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing an impact of using funds from different accounts to pay for financial events in retirement planning for a user. The system is configured to receive information associated with a group of accounts, electronically monitor the information, initiate presentation of a spend user interface to the user, receive a user selection of a financial event, calculate a financial event cost, determine one or more payment disbursement accounts from the group of accounts, calculate a payment disbursement ratio, and electronically present the payment disbursement ratio to the user.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing impact of financial events on retirement planning. The system is configured to receive information associated with financial institution accounts of the user; initiate presentation of a spend user interface to the user, wherein the spend user interface comprises at least selectable financial event options for the one or more financial events that could occur for the user; receive, via the spend user interface, a user selection of a financial event from the one or more financial events; determine one or more payment options from the financial institution accounts for the financial event selected by the user; and calculate a new amount of spendable funds or a new estimated amount of time associated with an availability of the amount of funds available in the financial institution accounts.